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KEY RESPONSIBILITIES

Treasury Systems & Infrastructure

• Lead the global deployment and optimisation of Flutterwave’s Treasury Management System (TMS — Kyriba or equivalent), integrating all feasible bank feeds to achieve real-time visibility across every corridor and entity.
• Build and maintain automated FX Blotters and a daily FX Sub-Ledger that delivers a three-way reconciled view (Blotter vs. Bank vs. ERP) to the Finance team by 10:00 AM WAT, every business day.
• Develop a real-time “Cash in Transit” dashboard, creating a clear asset vs. liability bridge for operational planning and liquidity management.
• Drive the treasury function from a manual, spreadsheet-based model to a fully automated, audit-ready architecture — reducing human error, improving close times, and providing the data quality that Finance and Operations require to make fast decisions.

Netting, Internalization & Margin Optimization

• Design and operate a global Netting Engine that matches internal FX flows (NGN, KES, EGP, USD, GBP, and other key pairs), reducing Flutterwave’s reliance on external Liquidity Providers (LPs) and capturing “Netting Alpha.”
• Drive internalization rates above 80% across the top 10 currency pairs as an initial target, with a stretch goal of 90%+ — directly lowering LP spread costs and improving Group margin.
• Audit and eliminate hidden margin leaks, including third-party partner fees (e.g., Nuvei, Kublox) and cross-corridor subsidies, to ensure that no remittance corridor operates at a negative or unintended margin.
• Develop an “Inventory Skew” pricing engine (Level 3 Pricing) that dynamically adjusts rates based on real-time inventory positions, generating measurable incremental margin from FX asymmetry.
• Optimise the yield on idle corporate cash pools, targeting returns that outperform overnight benchmark rates by a minimum of 50 basis points.

Risk Management & Compliance

• Establish and maintain Flutterwave’s Global Liquidity & Settlement Policy, defining formal settlement gap limits, pre-funding thresholds, and NOP controls for every corridor.
• Ensure that the Group’s Net Open Position (NOP) remains within Board-approved risk limits on 99%+ of trading days, with automated alerts for any potential breach.
• Develop and maintain robust FX revaluation and mark-to-market processes, targeting zero material audit adjustments on NOP balances and FX sub-ledger positions.
• Support the implementation of interest rate risk and counterparty credit risk frameworks in collaboration with the CFO and Group Risk function.
• Ensure full compliance with relevant regulatory requirements across all jurisdictions in which Flutterwave operates, including reporting obligations related to FX positions and cross-border settlements.

Data Architecture & Reporting

• Serve as the primary provider of treasury data to the Finance team (Moronke) and Operations function (Lucia), ensuring that liquidity forecasts, corridor-level P&L, and NOP reports are accurate, timely, and actionable.
• Achieve a forecast accuracy variance below 15% between Treasury’s projected liquidity needs and actual cash usage, with a stretch target below 5%.
• Design and maintain the FX revenue recognition framework, ensuring the Group has an accurate, corridor-level view of FX revenue, spread income, and net margin at all times.
• Build the internal reporting infrastructure that allows the CFO and Executive team to monitor treasury performance without manual intervention — dashboards, exception reports, and scenario modelling tools.

Strategic Leadership & Collaboration

• Partner with the Head of FX Sales & Bank Treasurer to translate front-office deal flow into accurate pricing inputs — providing the “logic layer” that tells the sales lead exactly how aggressively they can price while maintaining target margins.
• Work closely with the Expansion and Product teams to support new corridor launches, banking partnership agreements, and treasury product development.
• Present to the CFO, Board, and Audit Committee on treasury performance, risk exposures, system build-out progress, and margin optimisation outcomes.
• Build and develop a high-performing treasury team, establishing clear roles, processes, and career pathways as the function scales.

QUALIFICATIONS & EXPERIENCE

Required

• Minimum 10 years of experience in institutional treasury, fintech treasury architecture, or a closely related discipline, with clear evidence of systems-building and margin optimisation outcomes.
• Demonstrable experience deploying or operating a Treasury Management System (Kyriba, FIS, or equivalent) in a multi-currency, multi-entity environment.
• Deep technical expertise in FX accounting, automated blotter construction, Net Open Position management, and FX sub-ledger reconciliation.
• A quantitative, data-driven mindset — comfortable working with raw transaction data, building financial models, and deriving unit economics from imperfect datasets.
• Strong understanding of emerging market FX dynamics, remittance corridor economics, and global payment infrastructure.
• Experience in developing and enforcing treasury policy frameworks, including liquidity management, settlement controls, and regulatory compliance.
• Excellent communication skills, with the ability to translate complex treasury data into clear insights for non-treasury audiences including the CFO, Board, and Operations leadership.
• Bachelor’s degree in Finance, Mathematics, Economics, or a related field; Master’s degree or professional certifications (e.g., CFA, FRM, CTP, ACT) strongly preferred.

Preferred

• Prior experience at a high-growth African fintech or international payments business with significant emerging market FX exposure.
• Familiarity with netting engine architecture, LP management, and dynamic FX pricing models.
• Experience with SQL and data visualisation tools (e.g., Tableau, Power BI, Looker) to supplement TMS-based reporting.
• Understanding of crypto and DeFi workflow platforms as they relate to cross-border treasury management.

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The Role: Flutterwave is seeking a highly skilled and motivated individual to join our team as an Associate, Enterprise Risk Management. 

The Associate, Enterprise Risk Management (ERM) will support the implementation and continuous improvement of the organization’s enterprise risk management framework. The role is responsible for identifying, assessing, monitoring, and reporting risks across business functions, while partnering with stakeholders to strengthen risk awareness, control effectiveness, and regulatory compliance. The Associate will contribute to risk assessments, issue management, risk reporting, governance activities, and the promotion of a strong risk culture throughout the organization.

Responsibilities include but are not limited to:

• Support the execution of enterprise-wide risk assessments and risk profiling exercises.
• Facilitate the identification, evaluation, and documentation of strategic, operational, financial, regulatory, technology, and third-party risks.
• Assist business units in maintaining risk registers and ensuring risks are appropriately assessed and mitigated.
• Monitor emerging risks, industry trends, and regulatory developments that may impact the organization.
• Track key risk indicators (KRIs), risk appetite metrics, and control effectiveness measures.
• Prepare periodic risk reports, dashboards, and management presentations for senior leadership and governance committees.
• Monitor risk treatment plans and escalate overdue or high-risk items as necessary.
• Support the aggregation and analysis of risk data to identify trends and areas requiring management attention.
• Coordinate risk governance activities, including committee meetings, risk reviews, and action tracking.
• Ensure risk documentation is accurate, complete, and maintained in designated systems of record.
• Support issue management activities, including issue identification, risk rating, remediation tracking, validation, and closure.
• Collaborate with business teams to assess root causes and develop effective remediation plans.
• Monitor the status of corrective actions and provide updates to management.
• Support third-party risk assessments and ongoing vendor risk monitoring activities.
• Participate in risk reviews for new products, projects, initiatives, and strategic changes.
• Promote risk awareness and a strong risk culture across the organization.
• Support the development and delivery of risk training and awareness programs.

Required competency and skillset to be a waver:

• Bachelor’s degree in Finance, Business, Risk Management or a related field.
• 2-4 years of experience in risk management project management, or a related field within the fintech or financial services industry
• Good understanding of risk management principles, methodologies, and frameworks, with a proven track record of developing and implementing effective risk management strategies and processes.
• Analytical mindset with the ability to think critically, identify patterns, and draw meaningful insights from complex data sets to support decision-making and risk assessment.
• Proficiency in risk management tools and technologies, including risk analytics software, data visualization tools, and project management platforms.
• Relevant certifications (e.g., FRM, PMP) preferred.
• Knowledge of regulatory requirements and compliance in the financial industry
• Ability to thrive in a fast-paced, dynamic environment and effectively manage competing priorities while maintaining a high level of accuracy and attention to detail.

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